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Last Updated: 04/18/2025

Alcoa Community FCU Personal Loans

in Personal Loans from Alcoa Community Federal Credit Union

Last Updated: 04/18/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Alcoa Community Federal Credit Union logo
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Highlights

APR (Variable APR)

8.50% - 18.00%(Verified 09/20/2024)

Amount Range

N/A

Loan Term (Months)

Up to 48
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Alcoa Community FCU Personal Loans Review

Alcoa Community FCU Personal Loans is offered by Alcoa Community Federal Credit Union, a credit union founded in 1957 and based in Benton, AR. Alcoa Community FCU Personal Loans are available in 50 states, 5 US territories, and Washington, DC.

Key Takeaways

  • Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.

Alcoa Community FCU Personal Loans Pros & Cons

Alcoa Community FCU Personal Loans FAQ

What interest rates and personal loan terms does Alcoa Community FCU Personal Loans offer?

What interest rates does Alcoa Community FCU Personal Loans offer?

Alcoa Community FCU Personal Loans offers a variable APR personal loan product that ranges from 8.50% APR up to 18.00% APR.

What is the maximum loan term you can get with Alcoa Community FCU Personal Loans?

Alcoa Community FCU Personal Loans offers loans with terms of up to 48 months.

What fees does Alcoa Community FCU Personal Loans charge?

Does Alcoa Community FCU Personal Loans charge an origination fee?

Alcoa Community FCU Personal Loans may charge a personal loan origination fee .

Does Alcoa Community FCU Personal Loans charge a late fee?

Alcoa Community FCU Personal Loans does not disclose whether it charges late payment fees.

Does Alcoa Community FCU Personal Loans charge prepayment fees?

No, Alcoa Community FCU Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

What do you need to qualify for Alcoa Community FCU Personal Loans?

Alcoa Community FCU Personal Loans does not require or does not disclose a credit score minimum.
Alcoa Community FCU Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Alcoa Community FCU Personal Loans.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Driver's license or other government photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

Does Alcoa Community FCU Personal Loans report your account activity to credit bureaus?

Yes, Alcoa Community FCU Personal Loans reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Alcoa Community Federal Credit Union perform a hard credit pull?

Yes, Alcoa Community FCU Personal Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Are Alcoa Community FCU Personal Loans legit?

Alcoa Community Federal Credit Union was founded in 1957, it is a well-established company that has been in business for 69 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

1125 Military Rd
Benton, AR 72015
(501) 315-5626
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 5:00PM

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APR

Starting at 8.75%
Disclaimer popup with additional information

Amount Range

N/A

Loan Term (Months)

Up to 120
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SuperMoney Net Recommendation Score

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The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Alcoa Community FCU Personal Loans Community Reviews

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There are currently no reviews.

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